Does USAA Have a Loyalty Program?
Last Updated on January 22, 2025
Like most major American insurance companies, USAA does not offer a formal “loyalty program” that rewards customers purely based on how long they’ve been with the company. If you’ve been with USAA for one year or ten years, you’ll generally pay similar rates if all other factors—like your driving record and location—are the same.
However, USAA is unique because it exclusively serves military members and their families. While there isn’t a traditional loyalty discount, long-term USAA members often enjoy advantages like subscriber account distributions, multi-policy discounts, and safe driver savings that can indirectly reward loyalty.
Key Takeaways
- USAA does not provide a loyalty discount based solely on how long you’ve been a member.
- Members can still save with USAA through multi-policy discounts, multi-vehicle discounts, safe driver programs like SafePilot, and the unique Subscriber’s Account.
- While not technically a “loyalty” discount, these programs, coupled with USAA’s member-focused model, can indirectly reward those who remain insured with USAA over the long term.
No, USAA Doesn’t Have a Traditional Loyalty Program
USAA does not officially advertise any “loyalty discount.” Even if you’ve been a policyholder for decades, your rate is determined by traditional underwriting factors—your driving history, vehicle type, location, credit-based insurance scores, and other variables.
However, unlike most insurers, USAA membership is exclusive to current and former military members and their eligible family members. This member-centric focus sometimes works like a loyalty program in its own right. Although you won’t see a separate “loyalty discount” line item on your statement, you may enjoy additional perks for staying with USAA long-term.
How USAA’s Multi-Policy & Multi-Vehicle Discounts Work
One of the best ways to save with USAA—beyond maintaining a clean driving record—is to bundle or expand coverage. USAA offers multiple discounts when you have more than one policy or insure more than one vehicle.
Multi-Policy Discounts
- Home & Auto: Bundle your homeowners (or renters) policy with your auto policy to unlock a discount on each.
- Other USAA Products: USAA offers insurance for motorcycles, boats, valuable personal property, and more. Adding these can deepen your overall savings.
Multi-Vehicle Discounts
- Two or More Vehicles: Insuring more than one vehicle under USAA can reduce your premiums.
- Household Policies: If other drivers in your household also insure with USAA, you could qualify for additional multi-vehicle savings.
These bundling discounts reward members who bring more business to USAA, effectively incentivizing them to stay with the company over time.
How USAA’s Safe Driving & SafePilot Discounts Work
USAA encourages safe driving with various incentives:
- Safe Driving Discounts
- USAA offers reduced rates to drivers with a proven track record of safe driving (no accidents, tickets, or claims).
- The longer you maintain an incident-free record, the more you can potentially save over time.
- SafePilot
- A usage-based telematics program that tracks driving behaviors (speeding, hard braking, etc.) through a mobile app.
- SafePilot can reward cautious drivers with premium discounts of up to 30% at renewal.
- While not a “loyalty” discount, SafePilot can effectively benefit members who consistently demonstrate safe driving habits—and stay with USAA for multiple renewal periods.
How USAA’s Subscriber Account Distributions Work
USAA is structured as a reciprocal inter-insurance exchange, which means eligible policyholders (subscribers) have an ownership interest in the company. This structure sometimes allows USAA to distribute funds back to members:
- Subscriber’s Account: When you sign up for certain USAA insurance products, a portion of your premium may go into a Subscriber’s Account in your name.
- Distributions & Dividends: Depending on the company’s financial performance, USAA may make a distribution from your Subscriber’s Account. The longer you’re with USAA, the more you may accumulate in this account. However, distributions aren’t guaranteed and vary from year to year.
Although the Subscriber’s Account is not a formal “loyalty program,” these periodic payouts can reward longtime members financially.
Loyal USAA Members May Receive Other Perks
USAA doesn’t have a published loyalty program, but it’s well-known for its exceptional customer service. Members who have been with USAA for many years may receive advantages such as:
- Personalized Service: Longer-tenured members might find customer service representatives more willing to negotiate or accommodate special requests to maintain their satisfaction.
- Consistent Coverage: When you consistently renew with USAA, you build a history that may simplify claims processing and coverage adjustments.
- Exclusive Deals & Discounts: As a USAA member, you may access special deals on travel, car rentals, and other products, though these are part of broader membership benefits, not a loyalty discount.
Does USAA Offer Loyalty Rewards Points?
Unlike some large insurance companies that also issue credit cards tied to points programs, USAA’s credit cards typically offer cashback, points, or rewards that are not directly tied to insurance premiums or a “loyalty program.” USAA credit cards provide:
- USAA Rewards Visa Signature® Card
- USAA Cashback Rewards Plus American Express® Card
- USAA® Rate Advantage Visa Signature® Card
- USAA® Military Affiliate Cards
These cards may offer competitive rewards on everyday purchases, but they do not function as a loyalty program for USAA insurance specifically.
Final Word
USAA does not offer an official loyalty program or a discount for simply staying with the company over multiple years. Instead, USAA’s members—military personnel and their families—benefit from multi-policy and safe driving discounts, usage-based programs like SafePilot, and possible Subscriber’s Account distributions.
If you’re looking for a traditional loyalty program with tiered discounts for each year you remain a customer, you won’t find it at USAA. But if you qualify for membership, the combination of competitive rates, excellent customer service, and unique dividends often makes USAA a top choice for servicemembers and their families.